Specialty Risk Insurance: Producers Protecting Producers
In agriculture, especially in the cattle business, nothing comes with a guarantee. Markets shift, feed prices climb, weather turns on a dime, and the stakes are always high. Every day is a balancing act between opportunity and risk.
That’s where Specialty Risk Insurance comes in.
For more than 13 years, our team has worked alongside farmers, ranchers, and ag businesses across the country, helping protect the livelihoods that keep rural America running. We’re not a one-size-fits-all agency. We’re independent meaning we shop the entire market to find the coverage that fits your operation, not someone else’s.
Because no two cattle operations are the same. And your insurance shouldn’t be either.
Built by People Who Understand Agriculture
Roughly 80% of the clients Specialty Risk serves are tied directly to agriculture; cow-calf producers, backgrounders, feedyards, custom operators, truckers, processors, and the businesses that keep them moving.
Our agents and service team members are hands-on people who know what it takes to run a working operation. We speak the language, understand the risks, and know what happens when a claim hits in the middle of calving season or a drought cuts hay yields in half.
“Our job is to take problems off your plate,” says Kevin Charleston, Owner of Specialty Risk Insurance. “When something happens, we don’t wait for an email; we’re already on the phone, already on-site, already helping. Our clients don’t have time for red tape, and neither do we.”
Real Coverage for Real Operations
Specialty Risk Insurance offers protection across every corner of agriculture, including:
- Farm & Ranch Insurance – property, liability, Auto, Equipment, and umbrella coverages for protection that fits the way you operate.
- Livestock Risk Protection (LRP) – coverage for price declines on fed or feeder cattle.
- Pasture, Rangeland, Forage (PRF) – helping manage the impact of low rainfall and drought.
- Livestock Mortality & Equine Coverage – for breeding stock, show animals, and commercial herds.
- Trucking & Cargo – keeping animals and equipment protected in transit.
What makes our livestock program stand out is that we manage it directly, in partnership with a London-based insurer. That means faster claims, clearer communication, and a team that knows exactly what’s at stake. Today, we insure over a million head of cattle and thousands of horses nationwide.
More Than a Policy—A Partner
When things go wrong, Specialty Risk doesn’t just send a claims form, we show up.
Recently, when a client experienced a serious workplace accident, one of our team members drove eight hours on a Sunday to be on-site. From ensuring the injured employee received the right care to managing OSHA compliance, our team was there every step of the way.
That’s what partnership looks like.
Beyond the Fenceline
While agriculture remains at the heart of Specialty Risk Insurance, our expertise also extends to construction and commercial industries, especially those that serve the ag sector. From contractors and grain-handling companies to trucking operations and equipment dealers, our commercial division helps protect the businesses that keep rural economies strong.
We also know that your people are your greatest asset. That’s why our Health & Benefits division provides group health, life, and enrollment support for employers, along with a dedicated HR and safety team that helps clients stay compliant and keep employees safe.
Growing Nationally, Staying Grounded Locally
Headquartered in the heart of the Midwest, Specialty Risk Insurance serves clients in all 50 states, with boots on the ground where producers live and work. The company is expanding westward into California, Arizona, Washington, and Oregon, and eastward into Tennessee and Kentucky, while continuing to strengthen its local presence in the central U.S. cattle country.
We still believe in hard work, handshakes, and relationships built on trust. Because when your livelihood depends on weather, markets, and livestock, you need more than an insurance company.
You need a team that knows your world and stands beside you every step of the way.
Specialty Risk Insurance
Protecting the people, property, and livestock that feed America.
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